Your plan options

Choose from 8 different plan options

When purchasing an insurance plan, you can choose from a great combination of health benefits that provide you and your family with comprehensive coverage. There are eight (8) different plan options, including four (4) Dental Plans - with basic health coverage, and four (4) Health & Dental Plans - which include coverage for prescription drugs.

All plans include coverage for vision care, registered specialists and therapists, and much more. And some plans may not require you to complete a medical questionnaire at the time of application, so your acceptance is guaranteed provided that you meet the eligibility criteria.

Want help to determine which plan option is right for you?

Use the tool below to review the available plans by cost, or by which special features and benefits you need most. Review and compare the many plan options available to you to determine which best suits your needs and budget.

Prosthetics and Medical EquipmentCovers the purchase and rental of medically necessary equipment such as crutches, non-electric wheelchairs and hospital beds, oxygen and other equipment recommended by your physician and approved by Manulife. Also includes prosthetic appliances such as artificial limbs, eyes, splints, casts and breast prostheses following mastectomies.close

Homecare and NursingCovers the services of a Registered Nurse, Registered Practical Nurse, Certified Home Support Worker, Occupational Therapist or Registered Dietitian.close

Hospital BenefitsPreferred hospital accommodation in excess of the standard ward room rate made by a general (acute care) hospital. Also included is a cash benefit in lieu of the room cost for each day you are not able to obtain preferred accommodation.close

Travel CoverageAvailable to age 65. Covers emergency hospital/medical expenses while travelling outside your province or territory of residence and access to a 24-hour worldwide medical assistance centre, up to a maximum of $5,000,000 per trip.close

Require medical questionnaire when applying?
If no medical questionnaire is required when applying, acceptance is guaranteed if eligibility is met, and is subject to receipt of first premium payment. Otherwise, underwriting questionnaire is required.close

Lifeline® Personal Response Service - Provides 24-hour monitoring service for people coping with medical problems at home.¥

3 months per lifetime

3 months per lifetime

6 months per lifetime

6 months per 3-year period

Homecare and Nursing, Prosthetic Appliances, and Durable Medical EquipmentCovers the services of registered health professionals including a registered nurse, registered practical nurse or personal support worker; includes surgical bandages and dressings and the purchase or rental of medically necessary equipment such as crutches, non-electric wheelchairs and hospital beds, oxygen and other equipment recommended by your physician and approved by Manulife. Also includes prosthetic appliances such as artificial limbs, eyes, splints, casts and breast prostheses following mastectomies. Payment will be coordinated where benefits are available through the Assistive Devices Program.

Require medical questionnaire when applying?
If no medical questionnaire is required when applying, acceptance is guaranteed if eligibility is met, and is subject to receipt of first premium payment.close

Lifeline® Personal Response Service - Provides 24-hour monitoring service for people coping with medical problems at home.¥

3 months per lifetime

3 months per lifetime

3 months per lifetime

3 months per lifetime

Homecare and Nursing, Prosthetic Appliances, and Durable Medical Equipment Covers the services of registered health professionals including a registered nurse, registered practical nurse or personal support worker; includes surgical bandages and dressings and the purchase or rental of medically necessary equipment such as crutches, non-electric wheelchairs and hospital beds, oxygen and other equipment recommended by your physician and approved by Manulife. Also includes prosthetic appliances such as artificial limbs, eyes, splints, casts and breast prostheses following mastectomies. Payment will be coordinated where benefits are available through the Assistive Devices Program.

Require medical questionnaire when applying?
If no medical questionnaire is required when applying, acceptance is guaranteed if eligibility is met, and is subject to receipt of first premium payment. Otherwise, underwriting questionnaire is required.close

Lifeline® Personal Response Service - Provides 24-hour monitoring service for people coping with medical problems at home.¥

3 months per lifetime

3 months per lifetime

6 months per lifetime

6 months per 3-year period

3 months per lifetime

3 months per lifetime

3 months per lifetime

3 months per lifetime

Homecare and Nursing, Prosthetic Appliances, and Durable Medical EquipmentCovers the services of registered health professionals including a registered nurse, registered practical nurse or personal support worker; includes surgical bandages and dressings and the purchase or rental of medically necessary equipment such as crutches, non-electric wheelchairs and hospital beds, oxygen and other equipment recommended by your physician and approved by Manulife. Also includes prosthetic appliances such as artificial limbs, eyes, splints, casts and breast prostheses following mastectomies. Payment will be coordinated where benefits are available through the Assistive Devices Program.

Please note: Prescription drug coverage applies to costs not covered by your provincial prescription drug insurance plan, up to the maximums stated above. In Quebec, the prescription coverage available under this plan is limited to costs not covered by the RAMQ Prescription Drug Insurance Plan. It is not intended to be a replacement for the RAMQ Plan. In order to be eligible for coverage under this plan, you must have a provincial health card and be registered under the RAMQ Prescription Drug Insurance Plan or have equivalent coverage under a group plan.

Lifeline® is a trademark of Lifeline Systems Inc. Health Service Navigator is offered through The Manufacturers Life Insurance Company (Manulife).

§ By market capitalization: $40.9 billion CAD, as at December 31, 2015.

¥ Manulife cannot guarantee the availability of Health Service Navigator or Lifeline indefinitely.

†† Prescription drug coverage is based on Calendar Year for residents of British Columbia, Saskatchewan, and Quebec. Calendar Year means each successive 12-month period commencing January 1 and ending December 31. For all other provinces, coverage is based on an Anniversary Year, which refers to each successive 12-month period following the effective date of your policy.

* Generic Drug - A generally less expensive alternative to an interchangeable brand-name drug product. Please note: Not all drugs have a generic equivalent. If a non-generic drug is purchased, payment will be based on the lowest generic drug cost equivalent, if applicable. If no generic brand exists, payment of the brand-name price will be made at the co-payment level of your plan.

** Benefits payable are up to reasonable and customary charges. Benefits are only payable after yearly maximums allowed under your provincial health insurance plan have been reached, if applicable.